Put Yourself in the Driver’s Seat! LIMITED TIME OFFER! HEFCU has reduced our already low rates on new and used auto loans, now through October 31, 2010. Rates as low as 4.19% APR* on terms up to 60 months! Rates as low as 4.99% APR* for a 72 month term.** Don’t miss out on this unbelievable reduced rate special! Click here to apply today.   *APR= Annual Percentage Rate. **72 month loans will only apply to autos with minimum financed amount of $20,000. Other rates and terms available and are determined by your credit score. HEFCU Earns 5 Star Rating! Healthcare Employees Federal Credit Union has recently been awarded 5 STARS, the highest rating for a financial institution by BauerFinancial.  BauerFinancial, Inc. has been analyzing and reporting on the financial condition of the nation's banking industry since 1983.  Through the years, BauerFinancial has earned the reputation of "the nation's premier bank rating service". For more information on BauerFinancial, Inc. and to find out how other credit unions and banks are rated, please click here.   Do you currently have a HEFCU Auto or Personal Loan? If so, you may be eligible to skip one monthly loan payment!  (excludes real estate and credit card loans) HEFCU is here to help members lighten the burden on their budget. As a valued credit union member, you have the opportunity to Skip-A-Payment on your loan! For a small $25 processing fee, you can choose which month you would like to skip your payment. It's that simple! Put some extra cash back into your pocket. Certain restrictions and conditions may apply. To see if you are eligible, contact us today at 609-951-0700, x6200 and ask to speak with a loan representative.   You may elect to skip one (1) monthly loan payment during a specific month for each 12-consecutive month period. There is a $25.00 processing fee for each loan payment you choose to skip. All obligated borrowers or guarantors must sign a Skip-A-Payment Member Authorization Request form. This offer is good on the following loan types only: Auto and Personal Loans For a loan to qualify, you must have already made the last six (6) monthly payments. Delinquent HEFCU loans are not eligible for Skip-A-Payment. Download the Skip-A-Payment Request Form Today!   ELECTRONIC CHECK CONVERSION - Consumer Information Have you made a purchase for which you decided to pay by check, handed the clerk your check, and seen the clerk run your check through a machine and hand the voided check back to you with your receipt? If your answer is “Yes” you have experienced electronic check conversion. It is a process by which your check is used to make an electronic payment from your account.  For more information, please click here.